Cost Of Living in Caldwell, TX

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A+

8%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

27%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Caldwell	Texas	National
Cost of living	92	94	100
Groceries	99	98	100
Health care	101	98	100
Housing	73	83	100
Transportation	97	98	100
Utilities	105	103	100
Lifestyle & Entertainment	98	98	100
Household Items	96	98	100
Education & Childcare	102	98	100

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Homes For Sale In Caldwell, TX

TBD County Road 119

, TX

4500 Gibbs Ln

Caldwell, TX

(Tract 2) Green Hill Rd

, TX

TBD Legacy Road (5.41 Acres)

Caldwell, TX

See the Newest Homes For Sale In Caldwell, TX

Cost Of Living Quick Facts

The cost of living in Caldwell is 3% lower than the Texas average
The cost of living in Caldwell is 8% lower than the national average
Caldwell housing is 27% lower than the national average
Texas general sales tax is 22% higher than the national average
Texas state income tax is 100% lower than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$118,906	$9,909	$2,774	$3,568
Renters	$49,110	$4,093	$1,146	$1,473

The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Caldwell, TX, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Caldwell, homeowners have a median income of $118,906. Using that number, a maximum of $2,774 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $49,110, which means there is a maximum of $1,146 to be spent on the costs of renting a home or apartment.

Texas Sales Tax

State	General Sales Tax	With Max Surtax
Texas	6.25%	8.25%

Texas Income Tax

State	Income Tax (Low)	Income Tax (High)
Texas	0%	0%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Milano, TX	658	82	18.2%
Lake Bryan, TX	1,299	84	15.8%
Somerville, TX	1,254	88	12.3%
Snook, TX	569	95	5.0%
Caldwell, TX	4,445	92	8.5%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
King City, OR	4,445	119	19.2%
Sheffield, OH	4,444	106	6.0%
Argo, AL	4,447	98	1.5%
Sparta, IL	4,447	86	13.8%
East Troy, WI	4,447	102	2.2%
Caldwell, TX	4,445	92	8.5%